Dynamic authorization of pre-staged data exchanges based on contextual data

Abstract

The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, dynamically authorize pre-stages data exchanges based on contextual data. For example, an apparatus may receive first data characterizing an initiation of a first exchange of data between a client device and a terminal device. Based on the first data, the apparatus may obtain second data that characterizes an expected initiation of a second exchange of data during a corresponding temporal interval, which may be specified relative to an initiation time of the first data exchange. The apparatus may generate and transmit, to a computing system, pre-authorization data that requests a pre-authorization of the second data exchange to a computing system. The pre-authorization data may include a portion of the second data and may instruct the computing system to pre-authorize the second data exchange in accordance with the second data.

What is claimed is: 
     
       1. An apparatus, comprising:
 a communications interface; 
 a memory storing instructions; and 
 at least one processor coupled to the communications interface and the memory, the at least one processor being configured to execute the instructions to:
 obtain first data that characterizes a first transaction; 
 based on a portion of the first data, obtain second data that characterizes an expected initiation of a second transaction during a temporal interval; 
 transmit a pre-authorization request to a computing system via the communications interface, the pre-authorization request comprising a portion of the second data and a modified temporal interval that reflects an initiation time of the first transaction, 
 wherein the pre-authorization request causes the computing system to perform operations that pre-authorize the second transaction in accordance with the portion of the second data and the modified temporal interval. 
 
 
     
     
       2. The apparatus of  claim 1 , wherein:
 the first transaction is initiated between a client device and a terminal device; 
 the second transaction involves the client device and the terminal device; and 
 the pre-authorization request causes the computing system to transmit a digital token representative of the pre-authorized second transaction to the terminal device, the digital token being valid during the modified temporal interval and comprising a cryptogram associated with the client device. 
 
     
     
       3. The apparatus of  claim 1 , wherein:
 the temporal interval is specified relative to the initiation time of the first transaction; and 
 the at least one processor is further configured to execute the instructions to extract the initiation time of the first transaction from the first data. 
 
     
     
       4. The apparatus of  claim 3 , wherein:
 the second transaction is associated with the first transaction; and 
 the at least one processor is further configured to execute the instructions to extract the temporal interval from the second data, the temporal interval being characterized by a temporal boundary specified relative to the initiation time of the first transaction. 
 
     
     
       5. The apparatus of  claim 4 , wherein the at least one processor is further configured to execute the instructions to:
 compute a modified temporal boundary that reflects the initiation time of the first transaction; and 
 generate the modified temporal interval in accordance with the modified temporal boundary. 
 
     
     
       6. The apparatus of  claim 1 , wherein the at least one processor is further configured to execute the instructions to:
 extract, from the second data, an expected transaction amount associated with the second transaction and an identifier of a payment instrument available to fund the second transaction; and 
 generate the pre-authorization request, the pre-authorization request comprising the expected transaction amount and the identifier of the available payment instrument, 
 wherein the pre-authorization request causes the computing system to perform operations that pre-authorize the second transaction in accordance with the expected transaction amount and using the available payment instrument. 
 
     
     
       7. The apparatus of  claim 6 , wherein the at least one processor is further configured to execute the instructions to:
 load, from the memory, occurrence data that characterizes prior transactions initiated during prior temporal intervals; 
 perform operations that apply one or more machine learning processes to portions of the occurrence data; and 
 predict at least one of the expected transaction amount or the available payment instrument based on the application of the one or more machine learning processes to the portions of the occurrence data. 
 
     
     
       8. The apparatus of  claim 1 , wherein the at least one processor is further configured to execute the instructions to:
 receive, via the communications interface, confirmation data that characterizes at least one of an authorization or a pre-authorization of the first transaction by the computing system; and 
 obtain the first data from the confirmation data, the first data comprising the initiation time of the first transaction. 
 
     
     
       9. The apparatus of  claim 1 , wherein the at least one processor is further configured to execute the instruction to:
 load, from the memory, third data that characterizes the initiation of the first transaction, the third data comprising an expected transaction amount associated with the first transaction and an identifier of a payment instrument available to fund the first transaction; and 
 generate and transmit, via the communications interface, an additional pre-authorization request to the computing system, the additional pre-authorization request comprising the expected transaction amount and the identifier of the available payment instrument, 
 wherein the additional pre-authorization request causes the computing system to perform operations that pre-authorize the first transaction in accordance with the expected transaction amount and using the available payment instrument. 
 
     
     
       10. The apparatus of  claim 9 , wherein the at least one processor is further configured to execute the instructions to:
 load, from the memory, occurrence data that characterizes prior transactions during prior temporal intervals; 
 perform operations that apply one or more machine learning processes to portions of the occurrence data; 
 predict at least one of the expected transaction amount or the available payment instrument based on the application of the one or more machine learning processes to the portions of the occurrence data. 
 
     
     
       11. A computer-implemented method, comprising:
 obtaining, using at least one processor, first data that characterizes a first transaction; 
 based on a portion of the first data, obtaining, using the at least one processor, second data that characterizes an expected initiation of a second transaction during a temporal interval; and 
 transmitting a pre-authorization request to a computing system using the at least one processor, the pre-authorization request comprising a portion of the second data and a modified temporal interval that reflects an initiation time of the first transaction, 
 wherein the pre-authorization request causes the computing system to perform operations that pre-authorize the second transaction in accordance with the portion of the second data and the modified temporal interval. 
 
     
     
       12. The computer-implemented method of  claim 11 , wherein:
 the first transaction is initiated between a client device and a terminal device; 
 the second transaction involves the client and terminal devices; and 
 the pre-authorization request causes the computing system to transmit a digital token representative of the pre-authorized second transaction to the terminal device, the digital token being valid during the modified temporal interval and comprising a cryptogram associated with the client device. 
 
     
     
       13. The computer-implemented method of  claim 11 , wherein:
 the temporal interval is specified relative to the initiation time of the first transaction; and 
 the computer-implemented method further comprises extracting, using the at least one processor, the initiation time of the first transaction from the first data. 
 
     
     
       14. The computer-implemented method of  claim 13 , wherein:
 the second transaction is associated with the first transaction; and 
 the computer-implemented method further comprises extracting, using the at least one processor, the temporal interval from the second data, the temporal interval being characterized by a temporal boundary specified relative to the initiation time of the first transaction. 
 
     
     
       15. The computer-implemented method of  claim 14 , further comprising:
 computing, using the at least one processor, a modified temporal boundary that reflects the initiation time of the first transaction; and 
 generating, using the at least one processor, the modified temporal interval in accordance with the modified temporal boundary. 
 
     
     
       16. The computer-implemented method of  claim 11 , further comprising:
 using the at least one processor, extracting, from the second data, an expected transaction amount of associated with the second transaction and an identifier of a payment instrument available to fund the second transaction; and 
 generating the pre-authorization request using the at least one processor, the pre-authorization request comprising the expected transaction amount and the identifier of the available payment instrument, 
 wherein the pre-authorization request causes the computing system to perform operations that pre-authorize the second transaction in accordance with the expected transaction amount and using the available payment instrument. 
 
     
     
       17. The computer-implemented method of  claim 16 , further comprising:
 obtaining, using the at least one processor, occurrence data that characterizes prior transactions initiated during prior temporal intervals; 
 performing, using the at least one processor, operations that apply one or more machine learning processes to portions of the occurrence data; and 
 predicting, using the at least one processor, at least one of the expected transaction amount or the available payment instrument based on the application of the one or more machine learning processes to the portions of the occurrence data. 
 
     
     
       18. The computer-implemented method of  claim 11 , further comprising:
 receiving, using the at least one processor, confirmation data that characterizes at least one of an authorization or a pre-authorization of the first transaction by the computing system; and 
 extracting, using the at least one processor, the first data from the confirmation data, the first data comprising the initiation time of the first transaction. 
 
     
     
       19. The computer-implemented method of  claim 11 , further comprising:
 obtaining, using the at least one processor, third data that characterizes the initiation of the first transaction, the third data comprising an expected transaction amount associated with the first transaction and an identifier of a payment instrument available to fund the first transaction; and 
 generating and transmitting, using the at least one processor, an additional pre-authorization request to the computing system, the additional pre-authorization request comprising the expected transaction amount and the identifier of the available payment instrument, 
 wherein the additional pre-authorization request causes the computing system to perform operations that pre-authorize the first transaction in accordance with the expected transaction amount and using the available payment instrument. 
 
     
     
       20. A tangible, non-transitory computer-readable medium storing instructions that, when executed by at least one processor, cause the at least one processor to perform a method, comprising:
 obtaining first data that characterizes a first transaction; 
 based on a portion of the first data, obtaining second data that characterizes an expected initiation of a second transaction during a temporal interval; and 
 transmitting a pre-authorization request to a computing system, the pre-authorization request comprising a portion of the second data and a modified temporal interval that reflects an initiation time of the first transaction, 
 wherein the pre-authorization request causes the computing system to perform operations that pre-authorize the second transaction in accordance with the portion of the second data and the modified temporal interval.